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Comparison of Deposit Account from BMO Bank National Association with 2.22% - June 2025


Long-Term Analysis of BMO Bank National Association with 2.22% APY and NBT Bank, National Association with 0.65% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL MONEY MARKET
    BMO Bank National Association
    2.22%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $100,000
     
    SCENARIO
    Year Rate
    2.22%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,110 777
    2 51,110 1,135 794
    3 52,245 1,160 812
    4 53,404 1,186 830
    5 54,590 1,212 848
    6 55,802 1,239 867
    7 57,041 1,266 886
    8 58,307 1,294 906
    9 59,601 1,323 926
    10 60,925 1,353 947
    11 62,277 1,383 968
    12 63,660 1,413 989
    13 65,073 1,445 1,011
    14 66,518 1,477 1,034
    15 67,994 1,509 1,057
    16 69,504 1,543 1,080
    17 71,047 1,577 1,104
    18 72,624 1,612 1,129
    19 74,236 1,648 1,154
    20 75,884 1,685 1,179
    TOTAL $27,569 $19,298
  • 2
    LOCAL CD
    NBT Bank, National Association
    0.65%
    -
    $50,000
    36 Month
    Bank
    0.86x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.20% on April 9.

    Last change: ↑0.34% on May 27.
    Warning: Early Withdrawal Penalty is 180 days interest.

    Last change: ↑0.26% on April 9.
    Early Withdrawal Penalty is 6 months interest.

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